Compare San Mateo, CA Car Insurance Rates (2021)

Car insurance in San Mateo, CA averages $296 a month. San Mateo, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap San Mateo car insurance rates, compare quotes from the top car insurance companies in San Mateo, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in San Mateo is 94402
  • Average car insurance rates in San Mateo, CA are $3,556/year
  • Average car insurance rates in San Mateo, CA after a DUI are $4,994/year

If you need to buy San Mateo, California car insurance, the options can be confusing. Everything you need to know about car insurance in San Mateo, CA is right here.

You’ll find San Mateo car insurance rates, the cheapest San Mateo, CA car insurance companies, and information on California car insurance laws. You can also compare San Mateo, California car insurance rates to Fresno car insurance rates, San Francisco car insurance rates, and Sacramento car insurance rates.

Ready to find affordable San Mateo, CA car insurance today? Enter your ZIP code for fast, free San Mateo car insurance quotes.

Cheapest San Mateo, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect San Mateo, CA car insurance rates? Every San Mateo, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in San Mateo, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,690 $2,696 $1,977 $1,993 $7,555 $9,525 $3,448 $3,793
Farmers $2,574 $2,574 $2,325 $2,325 $8,303 $13,663 $3,061 $3,416
GEICO $1,624 $1,625 $1,528 $1,528 $4,941 $5,024 $2,333 $2,384
Liberty Mutual $2,223 $2,110 $2,071 $2,008 $4,945 $5,235 $2,514 $2,522
Nationwide $3,349 $3,193 $2,926 $2,755 $8,635 $9,500 $4,026 $3,976
Progressive $1,756 $1,807 $1,489 $1,768 $4,693 $5,647 $2,520 $2,707
State Farm $3,129 $3,129 $2,797 $2,797 $5,783 $7,167 $3,467 $3,576
Travelers $2,359 $2,281 $2,090 $2,069 $4,901 $5,582 $3,060 $2,996
USAA $1,933 $1,830 $1,885 $1,894 $4,389 $4,433 $2,687 $2,539

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Minimum Car Insurance in San Mateo, CA

Every driver must carry the minimum car insurance in San Mateo, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in San Mateo, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest San Mateo, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in San Mateo, CA to rates for a clean record with top companies.

Annual San Mateo, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,543 $4,270 $6,688 $3,337
Farmers $3,531 $4,811 $5,998 $4,781
GEICO $1,835 $2,831 $3,552 $2,276
Liberty Mutual $2,565 $3,436 $3,097 $2,716
Nationwide $3,347 $4,288 $7,256 $4,288
Progressive $1,836 $3,117 $3,594 $2,646
State Farm $2,842 $3,388 $6,395 $3,297
Travelers $2,120 $3,437 $3,997 $3,114
USAA $1,793 $2,672 $4,366 $1,964

Cheapest San Mateo, CA Car Insurance for Teen Drivers

Teen car insurance in San Mateo, CA can be expensive. Take a look at rates from the top car insurance companies in San Mateo for teenagers.

Annual Car Insurance Rates for Teen Drivers in San Mateo, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,555 $9,525
Farmers $8,303 $13,663
GEICO $4,941 $5,024
Liberty Mutual $4,945 $5,235
Nationwide $8,635 $9,500
Progressive $4,693 $5,647
State Farm $5,783 $7,167
Travelers $4,901 $5,582
USAA $4,389 $4,433

Cheapest San Mateo, CA Car Insurance for Seniors

Take a look at San Mateo, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in San Mateo, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,977 $1,993
Farmers $2,325 $2,325
GEICO $1,528 $1,528
Liberty Mutual $2,071 $2,008
Nationwide $2,926 $2,755
Progressive $1,489 $1,768
State Farm $2,797 $2,797
Travelers $2,090 $2,069
USAA $1,885 $1,894

Cheapest San Mateo, CA Car Insurance Rates After a DUI

A DUI in San Mateo, CA increases car insurance rates. Compare San Mateo, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in San Mateo, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,688
Farmers $5,998
GEICO $3,552
Liberty Mutual $3,097
Nationwide $7,256
Progressive $3,594
State Farm $6,395
Travelers $3,997
USAA $4,366

Cheapest San Mateo, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in San Mateo, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in San Mateo, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,801 $4,618
Farmers $4,337 $5,223
GEICO $2,383 $2,864
Liberty Mutual $2,714 $3,192
Nationwide $4,232 $5,358
Progressive $2,535 $3,062
State Farm $3,837 $4,124
Travelers $2,850 $3,484
USAA $2,490 $2,908

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Cheapest San Mateo, CA Car Insurance Rates by ZIP Code

San Mateo car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in San Mateo, CA.

Annual Car Insurance Rates by ZIP Code in San Mateo, California

ZIP Code Average Annual Rates
94401 $5,015
94402 $4,707
94403 $4,726

The Best Cheap Car Insurance Companies in San Mateo, CA

Take a look at a side-by-side comparison of the top car insurance companies in San Mateo, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in San Mateo, California

Insurance Company Average Annual Rates
Allstate $4,210
Farmers $4,780
GEICO $2,623
Liberty Mutual $2,953
Nationwide $4,795
Progressive $2,798
State Farm $3,981
Travelers $3,167
USAA $2,699

Category Winners: Cheapest Car Insurance in San Mateo, California

Find the cheapest car insurance companies in San Mateo, CA for each category right here.

Best Annual Car Insurance Rates by Company in San Mateo, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest San Mateo, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your San Mateo car insurance rates. Find the cheapest San Mateo, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in San Mateo, California

Insurance Company Low Medium High
Allstate $4,014 $4,243 $4,371
Farmers $4,476 $4,817 $5,047
GEICO $2,397 $2,653 $2,821
Liberty Mutual $2,770 $2,980 $3,110
Nationwide $4,340 $4,885 $5,160
Progressive $2,511 $2,888 $2,996
State Farm $3,594 $4,050 $4,298
Travelers $2,758 $3,260 $3,483
USAA $2,472 $2,747 $2,877

What affects car insurance rates in San Mateo, California?

What factors can have an impact on San Mateo, CA car insurance? There are several reasons why San Mateo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in San Mateo, California.

Car Theft in San Mateo

High levels of vehicle theft can make car insurance more expensive. San Mateo, CA car theft statistics from the FBI indicate 213 vehicle thefts a year.

Commute Time in San Mateo

The more time you spend in your car the higher the risk of an accident. The average commute length in San Mateo, CA is 29.1 minutes according to City-Data.

Compare Car Insurance Quotes in San Mateo, CA

Ready to find affordable San Mateo, California car insurance today? Enter your ZIP code for fast, free San Mateo, CA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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